The minimum amount for opening a deposit in a savings bank. How to put money in Sberbank at interest? Sberbank investments: where to invest money

It will be extremely simple for you to decide on which deposit in Sberbank it is most profitable to put money today. Determine which of the following options is right for you.

How to invest money?

At the moment, so many people are concerned about the question of how to preserve and increase their savings? Indeed, in our country there is a fairly large, which annually “eats” part of our accumulations.

To minimize this process, it is necessary to correctly invest your free cash. If you have large amounts on hand, you can try to invest in, etc., and if a small amount, then the most optimal option is to make a deposit.

Why exactly the contribution? The fact is that this is one of the safest investment options - it does not require huge amounts of money, special knowledge from you, and does not involve almost any risk.

You can always get back the amount that you invested, and if you complied with the terms of the contract - also with interest. In addition, deposits in banks are insured by the state in the amount of up to 1.4 million rubles, more about this can be read.

Most Russians unanimously choose to open a savings account, and there is only one reason - reliability. Further, we suggest that you consider in more detail the conditions of its most profitable programs.

Save

  • You have savings of more than 1000 rubles, 100 US dollars or euros. You will learn more about multicurrency deposits on this page.
  • You are sure that you will not need these savings for a certain time - from one month to three years.
  • You do not plan to withdraw money or replenish an open account. You will be satisfied with the opportunity to use only the calculated interest.
  • Your task is not just to save, but to maximize your savings.
  • Depending on your chosen term and the amount you have, the rate will be from 3.80% to 5.15% per year.

The most comfortable conditions are provided for pensioners, for whom the rate does not depend on the size of the deposit, but only on the selected period. Read more on this page.

Replenish

  • Even one thousand rubles or one hundred euros / US dollars will be enough. This is the minimum down payment for registration.
  • You want to accumulate by a certain date, that is, you clearly know for what period you need to open a deposit - from three months to three years.
  • During this time, you plan to replenish the account. It is only necessary to take into account that additional payments must be from 1000 rubles / 100 US dollars / 100 euros, and that there is a limit on the maximum amount (down payment multiplied by ten). This restriction does not apply only to retirement age depositors.
  • You will be satisfied with the condition that you can only withdraw interest.
  • Your task is to accumulate.

Interest - from 3.60% to 4.7% per annum depends on the amount deposited and the set period. Maximum - for accounts with over 2 million rubles open for a period of 6 to 12 months. More details about this deposit - on this page

Drive

  • You set yourself the task of accumulating, but at the same time provide for the ability to withdraw funds from the deposit if necessary. You can shoot to the set minimum.
  • Your starting capital is 30 or more thousand rubles, 1000 US dollars / euro or more. More about the program
  • The terms and restrictions for this program are the same as for the “Replenish” product. The rate is from 2.9% to 4.4%.

An advantageous offer for those who want to always be able to use their money without losing interest, as well as put an additional amount in their account.

Important: there is a restriction on the replenishment function under the “Replenish” and “Manage” programs. You must remember the maximum amount, which should not exceed the initial investment of 10 times.

If the deposit amount exceeds the maximum, then the difference between the actual deposit amount and the maximum interest is calculated at a rate of 1/2 of the deposit rate valid at the date of exceeding. This restriction does not apply to pensioners.

"Record"

Promotional offer, which can be used until November 30 of this year. For registration, you will need to make a contribution in the amount of 50 thousand rubles, the duration of the contract is from 7 months to 1.5 years.

Profitability will be from 6.5% to 7.15% per year, respectively. Opening is possible at ATMs, via the Internet, in the office, detailed conditions are described in

High Rate Deposits

For owners of service packages - Premier / First.

  • Keep special (up to 4.9%, 1 million, up to 3 years, without replenishment and withdrawal).
  • Special Replenish (up to 4.45%, 1 million, up to 3 years, with replenishment, but without cashing part of the funds from the account).
  • Special Manage (up to 4.15%, 1 million, up to 36 months, with the possibility of withdrawing and making additional contributions).

Social contribution

Designed for children who are left without parents. It may be opened in the name of the child by its legal representative. The rate is 4.25%. The period is 36 months, the amount is from 1 ruble, with replenishment and withdrawal.

“Give life” deposit

Designed to support children with hematological, oncological and other serious diseases. The rate is 5.05%, the term is 1 year. Without cash withdrawal and withdrawal. Amount - from 10 thousand rubles. Every 3 months, Sberbank transfers 0.3% of the amount in the deposit account to a charity fund.

To calculate your income for any of the above offers, use the online calculator.

Deposits of various kinds are always aimed at saving money and increasing their quantity. Each manages free funds differently. Some invest in real estate, cars, precious stones or metal.

The most popular are money deposits in the bank at interest. Many financial organizations in our country offer such services to their clients. Sberbank in Russia has long taken a leading position and continues to hold them. He received his special status due to favorable conditions for the following operations:

  1. Lending to customers.
  2. Investing money.
  3. Transfer operations.
  4. Issue of securities.

Therefore, many are interested in the conditions for investing in this institution. A significant part of the citizens of the Russian Federation choose Sberbank in order to deposit interest-bearing money on their accounts. We explain this demand with the special qualities of the bank:

  1. Stability.
  2. Safety
  3. Loyalty.
  4. Reliability.

In addition to positive feedback from consumers and good reputation, the bank has the following advantages:

  1. The choice of various types of deposit projects.
  2. A way to open a deposit in foreign currency or in rubles.
  3. Insurance of most investments.
  4. High interest rates for pensioners who have opened a deposit.
  5. Prompt registration of a deposit in any branch of Sberbank.
  6. A way to open a deposit online.
  7. Profit calculation using an online calculator.
  8. Providing early termination of the agreement and withdrawing finances at any time.

Important. How much will be received from the income of the deposit, always depends on the savings and interest included in the specific program of Sberbank. Rates usually range from 0.01 to 10 percent per annum.

A deposit is in demand in our country, as it allows you to invest free money and increase it.

In order to put funds into the account at interest, the client needs to have a bank deposit with Sberbank.

Varieties of investments in Sberbank

Today, there are more than 10 deposit programs offered by Sberbank. Among them, everyone can choose the option that suits him, based on the accumulated funds and the investment period.

  1. "Savings certificate." The indicated contribution is a bearer security which is not subject to insurance. The certificate is relevant as a gift or for various trips. This is its main advantage. The minimum investment amount is set at 10,000.00 rubles. The term is from 3 months. The interest rate on the certificate is 8.45%. You can take back your investments and interest on them only after the expiration of the investment period.
  2. “Save” contribution. The deposit is in demand among the population, since it assumes loyal and acceptable conditions. The minimum investment is 1000.00 rubles. Investing in this project provides an interest rate of 5.1%. The percentage varies depending on the amount and terms. During the specified period it is allowed to use the calculated interest, but it is forbidden to withdraw and replenish the account. After the expiration of the term, Sberbank automatically renews the contract if the client himself does not want to terminate the agreement. This contribution is relevant for senior citizens. They will receive income from investments at interest rates from 5.1% to 8.75%.
  3. “Replenish” the deposit involves a way to deposit money in an additional unlimited amount. The main thing is every time they recommend investing an amount equal to the previous deposit. Duration is from 3 months to 3 years. The rate is set at a rate of 4.15% and higher. It depends on the term and amount of the deposit. The minimum investment is 1,000.00 rubles, or $ 100. Withdrawals before the deadline is not possible. It is allowed to withdraw and use the accrued interest. At the end of the investment period, the contribution is automatically prolonged, or the contract is terminated ahead of schedule.
  4. "Manage." The minimum investment for opening this deposit is 30,000, 00 rubles. Its validity is from 3 months to 3 years. Such a program allows partial withdrawal or replenishment of funds. The interest rate on it is set from 4.55% to 7.25%. Investors monthly withdraw interest and dispose of them. It is important to remember that the replenished amount should not exceed more than ten times the down payment of the depositor. When withdrawing funds, it is necessary to take into account the minimum size of the non-reduced balance and not go beyond it. A deposit of this kind also allows you to make a deposit in dollars, the amount of money in this currency should not be less than $ 1,000.
  5. "Gift a life". It is not only profitable, but also useful, as it is charitable. The minimum investment should be at least 10,000.00 rubles for 12 months or more. Part of the funds received (0.3%) is transferred by the bank to a charity fund. The Foundation is engaged in supporting children with cancer and hematological diseases. The deposit assumes an interest rate of 5%. The deposit does not provide for the possibility of withdrawing and replenishing the account.
  6. "Savings account". This contribution is unlimited, and therefore beneficial to most investors. The interest rate on the deposit is set at 2.3%. The main advantage is that the deposit is replenished and cashed in unlimited quantities and in any convenient currency.
  7. "Good year." The minimum deposit amount should be 10,000.00 rubles. The term is 3 months. Payments are made after the end of the specified deposit period. The interest rate on the deposit is 8%.

Regardless of how much interest Sberbank set for the deposit, the client is confident that he will receive his profit.

Features of opening a deposit in Sberbank

There are two ways to open a deposit in Sberbank: remotely and directly at a branch of a financial institution.

For customers of Sberbank who have the Sberbank-Online system connected, a method of depositing via the Internet is available. In addition, for some projects higher interest rates will be set per year. These include:

  1. Manage - 6.23%.
  2. Save - 6.95%.
  3. Replenish - 6.69%.

To remotely make one of the deposits, you need to get a debit card or account, which requires you to credit the minimum amount of funds. To apply online you must do the following:

  1. Go to your personal account.
  2. Go to the "deposits and accounts" section.
  3. Select the "discovery" item.
  4. Choose a suitable deposit and click "continue."
  5. In the window that opens, fill out the application.
  6. Click "open" and wait for a response from the bank.

After approval of the application, bank employees will contact the depositor and instruct him on how to proceed.

A calculator is available on the site for customers that calculates the estimated income. It is used in the official app. The calculator gives the calculation result after filling in the required fields and clicking the "Calculate" item. The calculator allows you to calculate the amount that needs to be replenished additionally and takes into account many factors. Such as: Dates of the last removal or replenishment of the warehouse. The more additional parameters will be indicated, the more accurate the amount of the estimated income the investor will receive.

Important. To open a deposit in the office of Sberbank, you must come to any branch with the relevant documents: passport of a citizen of the Russian Federation, SNILS, pension certificate if any. An agreement will be signed with the client. After that, an account is opened, on which the depositor will put the minimum amount, depending on the type of deposit.

Making investments in Sberbank is a profitable and practical investment, regardless of the type of deposit you choose. A wide selection of programs and additional services will allow you to choose a contribution option for various segments of the population. Sberbank will help to profitably invest savings at a large percentage and guaranteed security of investments.

In 2018, Sberbank lowered deposit rates for individuals. The management of this largest Russian bank explains that such measures are dictated by the prevailing general trend in the country to reduce interest rates. What are the deposit conditions now offered by Sberbank and how beneficial is it at the moment to place deposits with the bank?

All deposit products of Sberbank can be divided into certain categories:

  1. Deposits with the possibility of replenishment.
  2. Deposits without the possibility of replenishment.
  3. Deposits on which interest is accrued and paid each month.
  4. Deposits with a partial withdrawal of funds without loss of interest.
  5. Deposits without early withdrawal of money.

As for the currency, now the bank only accepts ruble and dollar deposits. For those wishing to make a contribution to the euro, Sberbank can offer only a Savings account with an accrual of 0.01% per year.

Important: all types of deposits issued in national or foreign currency provide for the possibility of capitalization of interest.

“Save”and “Save Online”

They belong to the basic line of Sberbank deposits for individuals. They differ in higher percentages relative to other products. This type of investment is chosen by those who have the opportunity to invest large amounts without having to withdraw funds from the account before the expiration of the contract. The “Save” deposit and its online counterpart do not provide the opportunity to replenish the account and partially withdraw funds without loss of profitability. There is only the possibility of interest capitalization.

Interest ratesfor the “Save” deposit for today (% per annum):

Interest ratesfor the “Save Online” deposit for today (% per annum):

Deposit Interest Ratesat “Save” (in

Deposit Interest Ratesat "Save Online ”(independing on the amount and duration of the contract):

Tip: Check out the list of financial institutions offering.

"Replenish" and "Replenish Online"

These deposits allow you to store savings in both domestic and foreign currency (US dollars). The minimum deposit allows you to deposit at least 1 thousand rubles or $ 100 in cash. And for replenishment by bank transfer, no limits are set. Interest rate growth depends on the amount of the deposit. The “Save” deposit and its online counterpart provide an opportunity to replenish the account, but do not allow partial withdrawal of funds. There is only the possibility of capitalization of interest.

Interest ratesfor the deposit "Replenish" today (% per annum):

Interest ratesfor the “Replenish Online” deposit today (% per annum):

Deposit interest rates "Popolny "(depending on the amount and duration of the contract):

Deposit Interest RatesatPopolnanny Online ”(independing on the amount and term of the contract):

To summarize

Sberbank of Russia offers many deposit options - for any choice and for all groups of the population. By visiting a bank branch or by reviewing the information on the official website, workers, military personnel, pensioners and other categories of citizens can choose suitable deposit conditions for themselves.

In order to select the optimal deposit conditions at Sberbank, it is first necessary to determine the goal: short-term allocation of money or ensuring yourself (family or friends) financial security in the future. It is also important to find out whether, according to the conditions of the deposit, it is possible to replenish the account or withdraw funds from it.

Deposit "Replenish"

The minimum amount is 1 thousand rubles. Dates vary from 3 to 36 months. The maximum interest rate is 4.5% per annum. Interest payment every month. You can also choose capitalization. With an increase in the amount, the rate will be increased. You can replenish by 1000 rubles or more. Partial removal is not possible. Important: If you open this deposit through the Sberbank Online service, the interest rate will be increased (up to 5% per annum, depending on the term).

Amount Term / Interest Rate
from 3 to 6 months from 6 to 12 months from 12 to 24 months from 24 to 36 months 36 months
from 1 tr 3.85% 4% 3.8% 3.75% 3.7%
from 100 tr 4% 4.15% 3.95% 3.9% 3.85%
from 400 tr 4.15% 4.3% 4.1% 4.05% 4%
from 700 tr 4.35% 4.5% 4.3% 4.25% 4.2%
from 2 million rubles 4.35% 4.5% 4.3% 4.25% 4.2%

Save Deposit

All types of deposits in Sberbank of Russia, as well as the Save deposit, are aimed at minimizing inflation losses.

The amount to open is 1 thousand rubles or more. The interest rate reaches 5% per annum. Capitalization or interest payments will be made every month. There is no possibility of replenishment and partial withdrawal. Important: If you open through the Sberbank Online service, the rate will be increased (max. 5.5% per annum).

Amount Term / Interest Rate
from 1 to 2 months from 2 to 3 months from 3 to 6 months from 6 to 12 months from 12 to 24 months from 24 to 36 months 36 months
from 1 tr 4.8% 4.15% 4.35% 4.5% 4.4% 4.35% 4.3%
from 100 tr 3.95% 4.3% 4.5% 4.65% 4.55% 4.5% 4.45%
from 400 tr 4.1% 4.45% 4.65% 4.8% 4.7% 4.65% 4.6%
from 700 tr 4.3% 4.65% 4.85% 5% 4.9% 4.85% 4.8%
from 2 million rubles 4.3% 4.65% 4.85% 5% 4.9% 4.85% 4.8%

Contribution “Manage”

The minimum amount for opening is 30 thousand rubles. Perhaps a monthly withdrawal to a bank card or capitalization of interest. The conditions of the deposit include: auto-prolongation, replenishment and partial withdrawal. Max. rate - 4.2% per annum. Important: If the opening of this deposit is made through the Sberbank Online service, the interest rate will be increased (up to 4.7% per annum, depending on the term).

Amount Term / Interest Rate
from 3 to 6 months from 6 to 12 months from 12 to 24 months from 24 to 36 months 36 months
from 30 tr 3.55% 3.7% 3.25% 3.15% 3%
from 100 tr 3.7% 3.85% 3.4% 3.3% 3.15%
from 400 tr 3.85% 4% 3.55% 3.45% 3.3%
from 700 tr 4.05% 4.2% 3.75% 3.65% 3.5%
from 2 million rubles 4.05% 4.2% 3.75% 3.65% 3.5%

Pension Plus deposit

This type of deposit is intended for senior citizens. The minimum deposit is 1 ruble. The term of the deposit is 3 years. Quarterly capitalization of interest or payment will be made (to a bank card or current account). The interest rate on the deposit is 3.5% per annum. The conditions of the deposit include: auto-prolongation, replenishment and partial withdrawal.

Amount Term Interest rate
from 1 p. 36 months 3.5%

The proposed line of deposits at Sberbank of Russia for individuals is extensive and diverse. In fact, it’s easy to deal with them, because each type of deposit is purposefully designed for a certain category of customers. And therefore, the concept of “the most profitable contribution of Sberbank” is ambiguous and is determined individually for each investor, based on specific conditions and financial capabilities.

Before investing in Sberbank at interest, select the best option for yourself.

The most profitable investment is determined by the interest rate: the higher it is, the more profitable the deposit will be.

The interest rate depends on:

  • amounts
  • term;
  • the way the deposit is opened - at the branch or remotely;
  • the frequency of interest calculation.

When choosing, you also need to pay attention to additional features:

  • replenishment, which will allow you to accumulate the desired amount;
  • early withdrawal, if there is an unforeseen need for cash;
  • capitalization of accrued interest, in which the amount of interest is added to the initial amount and further interest is calculated on the total amount of the deposit;
  • payments of the amount of accrued interest, then you can spend them.

If you have free money temporarily, it is better to open a fixed-term deposit for the period that suits you.

It should also be remembered that there are special conditions for pensioners on deposits at Sberbank.

The proposed overview will help you choose the right deposit at Sberbank.

Time deposits

The line of term deposits of Sberbank in 2017 includes the following types of deposits:

  • “Save”, “Replenish”, “Manage”;
  • “Save Online”, “Replenish Online”, “Manage Online”;
  • “Save Special”, “Special Replenish”, “Special Manage” - with increased rates for owners of the Sberbank Premier service package;
  • "Social";
  • "Gift a life";
  • savings account.

The main basic deposits - “Save”, “Replenish”, “Manage”, consider them in more detail. The rest are their varieties or represent special solutions.

“Save”, “Replenish”, “Manage”

The most profitable deposits in this group are Save; today they have the highest interest rate. This deposit is convenient for investors who own free cash and can place it for a certain period without the possibility of early withdrawal. Of course, you can terminate the contract at any time, but with the loss of all accrued interest.

“Replenish” will help to accumulate the necessary amount for a purchase or other purpose. Replenishment and partial withdrawal provide an opportunity to defer some amounts or withdraw them in case of unforeseen expenses.

“Manage” - allows you to freely manage money: you can replenish or partially withdraw the amount without loss of interest. But the minimum amount for opening this type of deposit is quite high.

The main characteristics of the contributions are presented in table 1.

“Save Online”, “Replenish Online”, “Manage Online”

The line of deposits "Online" differs from the same basic deposits with an increased interest rate.

Consider the interest rates in rubles as an example:

  • “Save Online” - from 4.05 to 5.63;
  • “Replenish Online” - from 3.95 to 5.12;
  • “Manage Online” - from 3.25 to 4.82.

Deposits for owners of the Sberbank Premier service package

The group of deposits with higher rates - “Special save”, “Special Replenish”, “Special Manage” is available for opening only to users of the Sberbank Premier package.

This line differs from the base one in a higher percentage of the rate and a larger value of the minimum deposit amount.

Special Contributions

The group of special deposits includes 3 types of deposits.

  1. “Social” - for orphans. It is opened only by employees in Sberbank branches. It is necessary to present documents of guardianship issued by the guardianship authorities.
  2. “Give life” is a contribution for philanthropic clients. Sberbank transfers money to the charity fund “Give Life” on a quarterly basis in the amount of 0.3% per annum of the deposit amount. Help is provided to children with oncological, hematological diseases.
  3. A savings account will allow you to freely dispose of funds. Daily account management, including replenishment, payments, withdrawal of partial amounts.

Perpetual deposits

This group of unlimited deposits is represented by 3 types. All of them are rechargeable, with the possibility of partial withdrawal.

  1. “Demand for Sberbank of Russia”, an analogue of a current account.
  2. Universal Sberbank of Russia is recommended for transfers and payments, a reliable and convenient tool.
  3. Nominal account for crediting social payments. It is opened only in Sberbank branches in the name of parents, trustees or guardians to receive funds for the maintenance of minor children or disabled citizens.

Deposits for retirees

A special program “Golden Years” has been developed for pensioners in Sberbank, within the framework of which a deposit “Pension + Sberbank of Russia” and special preferential terms on deposits are offered:

  • “Save”
  • Save Online
  • “Replenish”
  • "Replenish Online."

Increased interest rates and the absence of conditions for the minimum amount will allow people of retirement age to receive additional benefits.

The most beneficial deposits are placed for a longer period, without the possibility of replenishment and withdrawal, opened remotely through ATMs, terminals or the Sberbank Online application.